Financial security during retirement takes planning. Join us as we look at the steps involved in creating a sound financial plan. We'll look at factors to consider, numbers to crunch, and the options available that may help you enjoy a financially comfortable retirement.
*Nondeposit investment products and services are offered through CUSO Financial Services L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make nondeposit investment products and services available to Credit Union members.
Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal.

Working for Yourself: The Ins & Outs of Becoming a Consultant, a Contractor, or Service Provider

Presented by the Small Business Development Center (SBDC)

Are you an experienced professional with marketable skills looking for a new career avenue? Think about taking your expertise and becoming an independent consultant, freelancer, contractor or service provider. In this workshop, you will explore the basics of business ownership including steps to form your business, start-up costs, pricing and the rewards and pitfalls of working from home.

Join MSU Federal Credit Union at MSU's Homecoming football game vs Indiana for our Spartan Tailgate Tent! Bring your Spartan spirit and visit one of our tents before you go into Spartan Stadium. Look for us outside the stadium, near Gate B (near the MSUFCU Student Section) or near Gate C (by the MSUFCU ATM!). The first 500 members to each of our tents will receive a free "green & white" gift.

Whether you're purchasing your first home, or haven't purchased a home in a couple years, this workshop will cover everything from home inspections, home values, the importance of a real estate agent, how title insurance protects you and, of course, information regarding mortgage products, how to qualify, and what to expect throughout the process. Co-sponsored by the MSU WorkLife Office.

Enjoy MSUFCU Day at MSU's DeMartin Soccer Complex as the MSU men's Soccer team takes on Indiana (at 3:00 pm - doors open at 2:00 pm). Show proof of MSUFCU membership at the ticket office and you will receive two (2) FREE tickets to the soccer game! Or, reserve and print your free tickets by clicking the "more info" link below! Just use promo code: MSUFCU_MSUMore Info

Make the holiday season less stressful and enter 2018 without new debt. This seminar will help you come up with a plan to make your holiday shopping work for you. Co-sponsored by the MSU WorkLife Office.

This program addresses the feelings, challenges, expectations and exhaustion brought on by our traditional celebration of the holidays and offers caregivers some alternatives designed to maintain safety, familiarity, comfort and inclusion for their loved ones and themselves. Changes in gift-giving and merry-making can improve the holidays for both the dementia caregiver and person with memory loss. We will discuss ways to make holiday celebrations more successful and enjoyable.

Where will your money come from during retirement? Join us as we put into perspective the income options you'll have during your retirement years. Now is the time to position your assets to provide the income you'll need to support the lifestyle you want.
*Nondeposit investment products and services are offered through CUSO Financial Services L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make nondeposit investment products and services available to credit union members. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.

Many elders fear the prospect that their savings could be consumed by the costs of providing care for themselves or their spouses, if they become afflicted with dementia or another chronic condition that is not covered by Medicare or private insurance. In this program you will be educated about the difference between Medicare and Medicaid, and what can be done to protect your assets should the need for nursing home care arise. Audience members will be armed with the truth about long term care costs and options so that they can avoid falling pretty to the many scams that target elders who fear the costs of long term care. Co-sponsored by the MSU WorkLife Office.

Know the 10 Warning Signs is an introductory program that provides attendees with an understanding of the difference between age-related memory loss and Alzheimer's and what to do if they or someone they know has signs of the disease. Attendees will view video footage of real people who are living with the early stages of dementia and their families addressing fears and myths associated with Alzheimer's disease. Co-sponsored by the MSU WorkLife Office.

If you or someone you know is affected by Alzheimer's disease or dementia, the time for legal and financial planning is now. This workshop is for anyone who would like to know more about what legal and financial issues to consider and how to put plans in place.

For individuals who are considering self-employment, or are at the beginning stages of starting their business. This workshop helps aspiring entrepreneurs assess their abilities to lead and manage a company, as well as evaluate market and sales potential for their products/services. The basics of business ownership are introduced, along with resources available to help launch new ventures in Michigan.

Do you have a college savings plan in place for the youths in your life? Join us as we talk about strategies to save for your student's higher education. We will cover structuring a budget to find extra funds, savings tips to get you started, as well as available options for structured college savings programs.

Conversations about Dementia is a program designed to help you talk with your family about some challenging and often uncomfortable topics around Alzheimer's and dementia - going to the doctor to get a diagnosis or medical care; deciding when it is necessary to stop driving; and making plans for managing finances and legal documents to be sure the person's wishes are carried out and the costs of future care are covered.

A detailed overview of the home buying process. From your first thoughts on buying a home to signing the final paperwork we'll cover what to expect and ways to make smart home buying decisions. Additional focus on budgeting for both before and after the big purchase and how to stop small financial problems from becoming big ones.

Estate planning for families with children with special needs takes a special lawyer. There are other legal issues that need to be considered including guardianships or alternatives to guardianships; public benefits (Medicaid and Supplemental Security Income) and life care planning, including the use of a Letter of Intent, and the ability to maneuver through community support services. This program is designed to answer questions and provide information about the special planning and considerations that need to be addressed that go beyond a Special Needs Trust. Co-sponsored by the MSU WorkLife Office.

Whether you're purchasing your first home, or haven't purchased a home in a couple years, this workshop will cover everything from home inspections, home values, the importance of a real estate agent, how title insurance protects you and, of course, information regarding mortgage products, how to qualify, and what to expect throughout the process

This is a must for both students and parents. Learn about options for financing your education, including different federal loan programs. Learn the difference between a private and a federal loan. We will cover repayment options as well as options for borrowers who are struggling or in default. Finally, we will cover some of the new income driven and loan forgiveness programs.

Adult Children often struggle with the issues that arise when their parent's age. Unfortunately, our society does little to prepare people to handle these challenges. This program offers attendees an opportunity to understand the issues and to learn more about terms they probably heard but may not understand. Such as different housing options, Legal documents, Government program and Probate Court. Co-sponsored by the MSU WorkLife Office.

It takes money to make money so where can your business find the capital to launch or grow? This program will provide an overview of the many capital sources for small business including traditional commercial loans, government loan programs and grants, as well as many lesser known specialized sources of funding.

MSU Federal Credit Union
savings are Federally insured to at least $250,000 by the
NCUA
and backed by the full faith and credit of the United States Government.
APR = Annual Percentage Rate. APY = Annual Percentage Yield.
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